PEO 93% chance of beating Fully Insured
$110,068
median five-year savings
+18% expected savings
5th−$22,09725th$67,576 75th$138,04495th$163,313
Arkansas Health-Plan Funding Guide
Arkansas 2027 funding analysis by employer size
Plan year 2027 Rates used: PY2027 requested (filed) rates, not yet final
Compare your options based on what matters most: Year 1 cost, five-year savings, and the likelihood of outperforming Fully Insured.
10 Employees
10-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded79%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $110,068
Level-Funded $93,155
Taft-Hartley −$207,990
5th to 95th percentile 25th to 75th Median
Level-Funded 79% chance of beating Fully Insured
$93,155
median five-year savings
+10% expected savings
5th−$185,95025th$18,493 75th$123,78395th$142,739
With additional cost containment: $113K to $202K more potential savings; win rate rises to ~95%.
Taft-Hartley 0% chance of beating Fully Insured
−$207,990
median five-year savings
-41% expected savings
5th−$238,06425th−$219,718 75th−$194,93995th−$178,119
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianPEO · $110,068
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 10 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
30 Employees
30-employee funding analysis · 2027
Modeled with Benefitra's average client savings assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO93%
Level-Funded89%
Self-Funded Captive92%
Taft-Hartley0%
Five-year median savings versus staying Fully Insured
PEO $330,204
Level-Funded $416,211
Self-Funded Captive $384,510
Taft-Hartley −$623,970
5th to 95th percentile 25th to 75th Median
PEO 93% chance of beating Fully Insured
$330,204
median five-year savings
+18% expected savings
5th−$66,29025th$202,727 75th$414,13295th$489,940
Level-Funded 89% chance of beating Fully Insured
$416,211
median five-year savings
+22% expected savings
5th−$208,49525th$258,274 75th$485,42995th$541,914
With additional cost containment: $286K to $453K more potential savings; win rate rises to ~99%.
Self-Funded Captive 92% chance of beating Fully Insured
$384,510
median five-year savings
+21% expected savings
5th−$78,12725th$254,031 75th$460,97095th$532,404
With additional cost containment: $292K to $419K more potential savings; win rate rises to ~99%.
Taft-Hartley 0% chance of beating Fully Insured
−$623,970
median five-year savings
-41% expected savings
5th−$714,19325th−$659,153 75th−$584,81795th−$534,358
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costPEO · ~28% cheaper
Highest modeled five-year medianLevel-Funded · $416,211
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 30 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
70 Employees
70-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO40%
Level-Funded92%
Self-Funded Captive100%
Taft-Hartley4%
Five-year median savings versus staying Fully Insured
PEO −$160,659
Level-Funded $320,436
Self-Funded Captive $464,004
Taft-Hartley −$1,553,568
5th to 95th percentile 25th to 75th Median
PEO 40% chance of beating Fully Insured
−$160,659
median five-year savings
-6% expected savings
5th−$1,357,20725th−$554,112 75th$281,30495th$1,245,014
Level-Funded 92% chance of beating Fully Insured
$320,436
median five-year savings
+11% expected savings
5th−$108,69525th$194,189 75th$543,15695th$1,254,727
With additional cost containment: $777K to $1.14M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$464,004
median five-year savings
+16% expected savings
5th$216,59125th$335,705 75th$688,83295th$1,407,400
With additional cost containment: $750K to $996K more potential savings; win rate rises to ~100%.
Taft-Hartley 4% chance of beating Fully Insured
−$1,553,568
median five-year savings
-41% expected savings
5th−$2,039,78225th−$1,808,755 75th−$1,149,71395th−$215,888
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded Captive · ~11% cheaper
Highest modeled five-year medianSelf-Funded Captive · $464,004
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 70 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
150 Employees
150-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO33%
Self-Funded96%
Self-Funded Captive100%
Taft-Hartley5%
Five-year median savings versus staying Fully Insured
PEO −$646,921
Self-Funded $1,048,386
Self-Funded Captive $1,104,917
Taft-Hartley −$3,256,233
5th to 95th percentile 25th to 75th Median
PEO 33% chance of beating Fully Insured
−$646,921
median five-year savings
-10% expected savings
5th−$3,462,60025th−$1,621,205 75th$372,58695th$2,774,227
Self-Funded 96% chance of beating Fully Insured
$1,048,386
median five-year savings
+15% expected savings
5th$137,00625th$732,805 75th$1,477,56995th$2,777,026
With additional cost containment: $1.63M to $2.49M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,104,917
median five-year savings
+17% expected savings
5th$586,54425th$826,838 75th$1,585,51495th$3,048,500
With additional cost containment: $1.62M to $2.16M more potential savings; win rate rises to ~100%.
Taft-Hartley 5% chance of beating Fully Insured
−$3,256,233
median five-year savings
-41% expected savings
5th−$4,554,23225th−$3,895,941 75th−$2,281,55795th−$36,676
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,104,917
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 150 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
250 Employees
250-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO27%
Self-Funded99%
Self-Funded Captive100%
Taft-Hartley6%
Five-year median savings versus staying Fully Insured
PEO −$1,663,129
Self-Funded $1,847,366
Self-Funded Captive $1,969,614
Taft-Hartley −$5,370,485
5th to 95th percentile 25th to 75th Median
PEO 27% chance of beating Fully Insured
−$1,663,129
median five-year savings
-15% expected savings
5th−$6,661,76225th−$3,404,090 75th$200,83895th$4,258,428
Self-Funded 99% chance of beating Fully Insured
$1,847,366
median five-year savings
+16% expected savings
5th$784,80425th$1,394,919 75th$2,585,06095th$4,498,690
With additional cost containment: $2.70M to $4.07M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$1,969,614
median five-year savings
+17% expected savings
5th$1,036,47725th$1,471,404 75th$2,828,74195th$5,141,580
With additional cost containment: $2.72M to $3.60M more potential savings; win rate rises to ~100%.
Taft-Hartley 6% chance of beating Fully Insured
−$5,370,485
median five-year savings
-40% expected savings
5th−$7,732,47425th−$6,498,073 75th−$3,625,89595th$298,802
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $1,969,614
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 250 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
500 Employees
500-employee funding analysis · 2027
Modeled with conservative assumptions, 2,000 Monte Carlo runs, and 2027 Arkansas market rates.
Choose another size ↑Blackwell underwriter reviewed and validated
Chance of beating Fully Insured over 5 years
PEO24%
Self-Funded100%
Self-Funded Captive100%
Taft-Hartley3%
Five-year median savings versus staying Fully Insured
PEO −$3,257,123
Self-Funded $3,572,234
Self-Funded Captive $3,746,701
Taft-Hartley −$10,616,712
5th to 95th percentile 25th to 75th Median
PEO 24% chance of beating Fully Insured
−$3,257,123
median five-year savings
-16% expected savings
5th−$13,275,06225th−$6,431,117 75th−$217,50895th$5,622,509
Self-Funded 100% chance of beating Fully Insured
$3,572,234
median five-year savings
+16% expected savings
5th$1,731,72625th$2,689,906 75th$5,028,83795th$8,804,403
With additional cost containment: $5.45M to $7.09M more potential savings; win rate rises to ~100%.
Self-Funded Captive 100% chance of beating Fully Insured
$3,746,701
median five-year savings
+16% expected savings
5th$1,998,63925th$2,817,197 75th$5,231,41895th$9,268,386
With additional cost containment: $5.44M to $6.60M more potential savings; win rate rises to ~100%.
Taft-Hartley 3% chance of beating Fully Insured
−$10,616,712
median five-year savings
-41% expected savings
5th−$14,738,25625th−$12,658,189 75th−$7,998,31395th−$2,657,787
Fixed · nationwide · transparent pricing Get your Taft-Hartley rate →
Fully Insured today: ~$743 per employee/month is the baseline. Every savings figure above is measured against it.Rates used: PY2027 requested (filed) rates, not yet final$0 saved
Day-one and five-year context
Lowest modeled day-one costSelf-Funded · ~12% cheaper
Highest modeled five-year medianSelf-Funded Captive · $3,746,701
These are separate measures, not a recommendation or a single “best” pick. Probability, downside range, eligibility, administration, and risk tolerance also matter.
Cost containment: Reference-Based Pricing · Cash Pay · Centers of Excellence · Specialty Rx Management · Care Navigation · High-Cost Dialysis Carve-Out · Direct Primary Care. Most strategies do not affect employees’ provider access or care.
Illustrative profile: Average age (~42), average health, state-adjusted premium, and approximately 500 enrolled employees. Actual quotes and underwriting can materially change results.
2027 renewal assumption: 2027 small-group filed rate 9.09% (proposed, not yet final). Fully-insured renewal expectation used here: 6.7% a year over five years (six-year filed average incl. 2027); next 1 to 3 years 9.1%.
2026 analysis vs 2027
For 70-employee groups in Arkansas, the modeled median five-year savings for Self-Funded Captive moved from $435,839 to $464,004, and its modeled chance of beating Fully Insured stayed at 100%.
| Employees | PEO | Level-Funded | Self-Funded | Self-Funded Captive |
|---|---|---|---|---|
| 10 | $82,590 → $110,06889% → 93% odds | $67,037 → $93,15575% → 79% odds | Not modeled | Not modeled |
| 30 | $247,769 → $330,20489% → 93% odds | $326,604 → $416,21188% → 89% odds | Not modeled | $301,364 → $384,51090% → 92% odds |
| 70 | −$147,272 → −$160,65940% → 40% odds | $293,735 → $320,43692% → 92% odds | Not modeled | $435,839 → $464,004100% → 100% odds |
| 150 | −$593,016 → −$646,92133% → 33% odds | Not modeled | $961,029 → $1,048,38696% → 96% odds | $1,035,347 → $1,104,917100% → 100% odds |
| 250 | −$1,524,548 → −$1,663,12927% → 27% odds | Not modeled | $1,693,433 → $1,847,36699% → 99% odds | $1,842,991 → $1,969,614100% → 100% odds |
| 500 | −$2,985,721 → −$3,257,12324% → 24% odds | Not modeled | $3,274,576 → $3,572,234100% → 100% odds | $3,509,498 → $3,746,701100% → 100% odds |
Fully Insured baseline used: $681 → $743 per employee per month (PY2026 rates → PY2027 requested (filed) rates, not yet final). Taft-Hartley is priced as a fixed nationwide rate rather than a state-rate model, so it is not compared here.
View the archived 2026 Arkansas analysis (last year's model results, not current advice).
Illustrative model results, not a quote, a forecast or insurance, tax or legal advice. Actual premiums, claims, eligibility and underwriting vary by employer, and PY2027 requested (filed) rates can change before they are final.
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